Some company signed me up for this credit card without my knowledge and now the account is showing in my Mint.com credit report and lowering the average age of my credit lines, and hence my score. I only authorized a credit check to see if I was qualified for the card and after seeing the interest rate, I declined to open the account.
Is there a way to close this and have it not show in my credit report in the future? I'm worried that "closing it in the wrong way" might show it as a legitimate, short-lived credit line that still affects my credit. I want it to be removed and to have no effect on my score.
Should I contact the resort/timeshare business that did this? Or some sort of fraud service?
Also, does paying off currently open credit lines remove them from the "Age of Credit" calculation?